FEMA expects more hazard damage per building in Bloomington than in 87% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Bloomington gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is hurricanes (70%), then river and rain flooding (26%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Bloomington faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Bloomington’s grade
Hurricanes are 70% of the building damage FEMA expects in Bloomington, and Bloomington’s rate of hurricanes damage is in the top 5% of U.S. census tracts. Next is river and rain flooding at 26% (lower than 68% of U.S. census tracts).
D higher expected damage per building than 87% of U.S. towns (21,298).
All of Bloomington’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.7M a year in losses across Bloomington: $1.1M to buildings, the rest to people and crops.
Does Bloomington flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bloomington. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bloomington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Victoria County.4 federal disasters brought FEMA money to Bloomington
Disasters that paid out in Bloomington itself (aid to households or repair grants to Bloomington), newest first, with that year’s flood claims.
- 2021Severe Winter Storms44 households applied for aid$15K aid approved
- 2017Hurricane Harvey836 households applied for aid$1.0M aid approved
- 2007Severe Storms, Tornadoes, and Flooding4 households applied for aid$11K aid approved
- 2003Hurricane Claudette347 households applied for aid$642K aid approved
Victoria County has had 23 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Bloomington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bloomington archive →Get ready for what Bloomington faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Bloomington
Is Bloomington at risk for natural disasters?
On FEMA’s National Risk Index, Bloomington has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is hurricanes (70%) and river and rain flooding (26%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bloomington in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Victoria County, 2.8% of all homes carry federal flood insurance.
How much is flood insurance in Bloomington?
FEMA’s Community Rating System list shows no discount for Bloomington’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Bloomington?
By FEMA money that reached Bloomington, Hurricane Harvey (2017): 836 households applied for aid, $1.0M approved.
Is Bloomington at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (70%), and Bloomington’s rate for it is in the top 5% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bloomington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bloomington’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.